Cooperativa de Ahorro y Crédito

What Cooperativa de Ahorro y Crédito does

Cooperativa de Ahorro y Crédito is a savings and credit cooperative headquartered in Cercado de Lima, Peru, operating under the "Multipres" brand with an employee base of approximately 402. As a cooperative, its functional role is to provide financial intermediation services — including savings, credit, and related member services — to its cooperative members and likely surrounding retail customers, consistent with the standard operating model of Latin American "cooperativas de ahorro y crédito." The legal and operating structure (cooperative vs. bank, member-owned vs. investor-owned) cannot be precisely determined from the available source material.

The company's digital footprint is minimal. Its public website at multipres.com consists of a GoDaddy-hosted landing page displaying only a logo image, a "© 2025 Multipres – Todos os direitos reservados" copyright notice, and a cookie consent banner. No product catalog, account-opening flow, online banking functionality, app store presence, or service descriptions are exposed in the source content. Notably, the site renders in Portuguese rather than Spanish, which is the dominant language in Peru, raising questions about whether Multipres is targeting Portuguese-speaking markets (e.g., Brazilian diaspora or cross-border members) or whether the template was inherited without localization. No API endpoints, SDKs, MCP integrations, or technology stack disclosures are documented.

The revenue model cannot be characterized from the source material. Standard cooperative financial economics would imply net interest income on loan portfolios, fee income on member services, and returns on invested member deposits, but no pricing schedules, product terms, deposit rates, loan yields, fee structures, or revenue figures are disclosed. No funding rounds, investors, M&A activity, or ownership disclosures are present. Operating geographies, branch network, member counts, and asset size are similarly undetermined. The available data supports only a high-level factual description of what the entity is, not how it operates commercially.

Name

Cooperativa de Ahorro y Crédito

Website

https://multipres.com

Company type

Private

Headcount range

251–500 employees

Short description

Cooperativa de Ahorro y Crédito is a Peru-based savings and credit cooperative operating under the Multipres brand, headquartered in Cercado de Lima with roughly 402 employees and a minimal online presence.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Credit Unions (52213), Credit Unions (522130)

akta.pro primary industry

Community Development Credit Unions (CDCUs) (FSABAEAC)

Keywords

• Credit union services
• Savings accounts
• Consumer lending
• Member banking
• Financial cooperative

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure

Core offering

Cooperativa de Ahorro y Crédito is a Peruvian savings and credit cooperative headquartered in Cercado de Lima, operating under the Multipres brand with approximately 402 employees. It provides cooperative-style financial services to its members, and is reached through the corporate website multipres.com. The source content does not enumerate specific deposit, loan, or service products.

Differentiator

Problem solved

Functional benefit

Ideal customer profiles1 record

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Expansion highlights1 record

Direct peers

• Financiera Confianza: Peruvian consumer and small-business lender focused on underbanked segments. Comparable to Multipres's likely target borrower base and to its role in extending credit outside the traditional banking system.
• Caja Arequipa: Peruvian savings and credit cooperative (Caja Municipal) serving retail depositors and borrowers. Directly comparable as a Lima/Peru-headquartered member-owned financial cooperative offering deposits and credit products.
• Mibanco: Peruvian microfinance bank focused on small-business and consumer credit. Comparable as a Peru-based lender serving similar unbanked and underbanked segments that credit cooperatives typically address.
• Caja Cusco: Peruvian savings and credit cooperative with branch-based deposit and consumer/SME lending. Comparable in cooperative governance model and Peruvian retail financial services focus.
• Caja Huancayo: Peruvian savings and credit cooperative operating a multi-region branch network with deposit and lending products. Comparable to Multipres as a member-owned cooperative financial institution targeting retail customers in Peru.
• Cooperativa de Ahorro y Crédito San Hilarión: Peruvian savings and credit cooperative with member deposit and lending operations. Directly comparable in legal structure, product set, and target member base to Multipres.

Broad incumbents

• Banco de Crédito del Perú (BCP): Peru's largest commercial bank with full retail deposit and credit franchises. Comparable as the dominant incumbent whose deposit, lending, and digital-wallet products compete directly with cooperative offerings in Lima.
• Desjardins Group: Large North American cooperative financial group operating member-owned banking and credit services. Comparable as a benchmark cooperative operating model and member-centric product set, though at much larger scale.
• Banco GNB Perú: Mid-sized Peruvian commercial bank offering retail deposits, consumer credit, and SME lending. Comparable as a competing depository institution operating in the same Lima market segments as cooperative lenders.

Emerging players

• Yape (BCP digital wallet): Peruvian mobile wallet and payments platform tied to BCP with growing credit and deposit-adjacent features. Comparable as an emerging digital competitor that could divert younger members from traditional cooperatives like Multipres.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat2 records

Key risks4 records

Key highlights3 records

Customer concentration

• LinkedInlinkedin.com/company/cooperativa-de-ahorro-y-cr%C3%A9dito

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cooperativa de Ahorro y Crédito